Lenders size a mortgage mainly on income, typically capping the loan at around 4 to 4.5 times your annual salary (combined for joint applications). This tool gives a quick borrowing estimate and the rough property price you could reach once your deposit is added. A full affordability assessment also looks at your outgoings, credit history and existing debts.
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Frequently asked questions
What income multiple should I use?
Four to four-and-a-half times income is typical. Some lenders stretch to 5x or more for higher earners or certain professions, but this is not guaranteed.
Does my deposit change how much I can borrow?
A bigger deposit does not usually increase the loan itself, but it lowers your loan-to-value, which can unlock better interest rates and a higher total property price.